Side-by-side · Q2 2026 data
University Bank vs Sturgis Bank & Trust Company
Metric by metric
| Measure | University Bank | Sturgis Bank & Trust Company |
|---|---|---|
| TellerScore | 60 (stronger) | 56 |
| Capital cushion | 51 (stronger) | 36 |
| Loan quality | 86 (stronger) | 69 |
| Earnings | 63 (stronger) | 61 |
| Funding & liquidity | 8 | 53 (stronger) |
| Problem-loan coverage | 93 (stronger) | 76 |
| Peer percentile | 21st | 15th |
| Total assets | $1.2B | $1.0B |
| Deposits / shares | $1.1B | $893.0M |
| Capital ratio | 10.08% (stronger) | 8.63% |
| Problem loans | 0.41% (stronger) | 0.92% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.08% (stronger) | 1.03% |
| Loans ÷ deposits | 102.7% | 85.1% (stronger) |
| Uninsured deposits | 70.2% | 35.3% (stronger) |
| Offices | 2 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 3.4% |
University Bank has the higher TellerScore (60 vs 56). On the 7 directional measures above (where higher or lower is clearly better), University Bank leads on 5 and Sturgis Bank & Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.